It's only good banter if they can take it, then you usually get a good exchange going, and it often ends amicably, however if they can't it never lasts long.

Generally I would only do it with my cheeky or grumpy friends, or beggars and trade channel bullies if I don't know them.

I've played since early vanilla and I've had no warnings, bans or issues, so it's fair to say that I'm not hurting anyone it's more of a public service... reigning in a few egos, silencing a few annoyances